Should You Avoid LMI? What the Numbers Actually Show
One of the most common questions property investors ask is whether they should wait until they have a 20% deposit to avoid Lenders Mortgage Insurance, or whether entering the market sooner with a 10% deposit makes more financial sense.
Most people assume avoiding LMI is always the smarter move. The numbers tell a more interesting story.
Ravi Sharma
May 25, 2026 • 3 minute read
Five Pieces of Financial Advice Worth Ignoring in 2026
Most of the financial advice Australians receive doesn’t come from professionals. It comes from people who navigated a completely different economic environment and assumed the rules they followed still apply today.
Some of it is outdated. Some of it was never accurate. All of it is worth examining before you let it shape decisions that will affect your financial position for decades.
Here are five pieces of financial advice worth reconsidering.
Ravi Sharma
May 22, 2026 • 3 minute read
The Three Phases of Building Wealth: Accumulation, Consolidation & Lifestyle
Most Australians follow the same financial path. Work hard, save a deposit, buy a home, pay it off over 30 years, retire on super and the pension, and hope it is enough.
For a generation that bought property when prices were three to four times the average income, that path worked well enough. For anyone building wealth today, it is one of the most expensive strategies available.
There is a better framework, one that is optimised for the environment we are actually in rather than the one our parents navigated. There are three phases: accumulation, consolidation, and lifestyle. Understanding what each phase requires, and what order to do things in, is what separates investors who build real financial freedom from those who work their entire lives and arrive at retirement still depending on external support.
Ravi Sharma
May 20, 2026 • 3 minute read
The 2026 Federal Budget and What It Means for Property Investors
The 2026 Federal Budget changed the rules for property investors in Australia. Not in a way that makes property investing impossible, but in a way that makes getting the strategy right more important than ever.
Here is a clear breakdown of every change that affects investors, what it means in practice, and how to think about your next move.
Ravi Sharma
May 12, 2026 • 3 minute read
The Generation Quietly Reshaping Australian Property
There is a generation of Australian property owners who rarely make headlines. They are not buying their first home like Millennials or sitting on decades of ungeared equity like Baby Boomers. They are somewhere in the middle, and that middle position is about to become one of the most significant forces shaping Australian property demand over the next decade.
Generation X, born between 1965 and 1980, entered the property market at a moment that will never repeat itself. Prices were affordable relative to income. Interest rates were falling. Credit was expanding. The conditions were as close to ideal as any generation has experienced in modern Australian history.
The result is a cohort sitting on serious wealth, with serious decisions ahead of them.
Ravi Sharma
May 11, 2026 • 3 mintue read
The RBA Has Raised Rates Again. Here Is What It Means for Property Investors.
The Reserve Bank of Australia has lifted the official cash rate for the third consecutive meeting, raising it by 25 basis points to 4.35%. The decision was passed in a split 8 to 1 board vote, and it signals something important: the RBA is not done yet.
For Australian property investors, this is not a reason to panic. It is a reason to understand exactly what is happening, what it means for your position, and why the investors who keep a clear head through cycles like this are the ones who come out ahead.
Ravi Sharma
May 6, 2026 • 3 minute read
